Maybe – but you need to check your specific policy. Don’t assume the answer is Yes. You need to make sure you have European cover and also consider European breakdown cover.
You might be an experienced driver in the UK but taking to the roads on a country where the landscape and language is out of your league could leave you with real problems as well as start piling on the pound signs – not just if you have an accident, but if you need to do repairs.
You should always inform your insurer if you’re planning to drive your own car abroad although, sadly, your conventional UK insurance policy is not guaranteed to cover you for driving your car in Europe – check the small print. If you are covered, you’ll need them to issue you a ‘green card’ to take abroad with you. That said, it will only be equivalent to 3rd party cover which could leave you short in the event of an accident on the continent.
So then you have two options – you can either upgrade your existing cover, or you may need to take out separate specialist cover. As always, you do need to shop around and research it well. Policies can differ wildly from provider to provider AND there are various levels of insurance available so make sure you do your homework.
Here are our top 5 tips to finding the right European Car Insurance for your car.
- Find the right level of policy – as with UK policies these can vary so do your homework. A UK policy which does have some provision for driving in Europe will often offer less cover than you’d get with a 3rd party policy in the UK. So if an accident is your fault (or unknown) you won’t be covered. Other policies are more extensive and equate to fully comp.
- Choose the right length of policy – most specialist European policies are 90 days but always read the small print as that’s by no means a standard. You can always ask for Extended European Car Insurance if you need longer. If you are only doing a fortnightly trip then there’s no point paying for what you’re not using – so ask for a temporary policy or short term European policy.
- Pick the right policy for your destination – not every country in Europe is covered with every policy and some policies only cover countries which are in The EU.
- Think about Breakdown cover – even if your car is in tip top condition, there’s no accounting for sod’s law and something is bound to go wrong with your car if you’re not covered for breakdown. It’s not automatically included in car insurance policies and is likely to incur an extra fee. Better that than standing on the roadside in your flip flops though, eh?
- Shop around for the best deal – as always, do your homework and compare your prices. Check out our INSTANT QUOTE page and trusted affiliate BRANDS for information on the best deals around.
Information correct on 5th August 2015